Various benefits of being a Blue Cross Blue Shield of Texas (BCBSTX) member include essential benefits, prescription benefits, dental coverage and discounts. Benefits vary depending on the purchased plan, but all plans carry essential benefits and discounts.
Essential benefits are those required by the Affordable Care Act and include hospitalization, maternity care, laboratory services and prescription drugs. BCBSTX offers several plans that reduce out-of-pocket costs for essential benefits but offer less flexibility than plans with greater cost. Another benefit to being a BCBSTX member is that BCBSTX has the largest PPO network in the state and covers 90 percent of Texas hospitals as of 2015. BCBSTX offers out-of-state coverage for some plans, which gives an even greater amount of coverage.
All plans offer prescription benefits, but some are more flexible than others. Members receive coverage on mostly generic drugs with the Blue Advantage HMO plan and coverage on preferred drugs with the Blue Choice PPO plan. Members can choose whether to pay higher monthly premiums or higher out-of-pocket costs with each plan. Members may be able to enroll in a dental plan as well.
BSBSTX members may get other discounts, including complementary alternative medicine, vision, weight loss programs and hearing. Members need to show their health care card to BlueExtras providers to receive these discounts.